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AEON Credit Service (M) Bhd (XKLS:5139) Intrinsic Value: Projected FCF : RM2.48 (As of May. 24, 2024)


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What is AEON Credit Service (M) Bhd Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-05-24), AEON Credit Service (M) Bhd's Intrinsic Value: Projected FCF is RM2.48. The stock price of AEON Credit Service (M) Bhd is RM7.50. Therefore, AEON Credit Service (M) Bhd's Price-to-Intrinsic-Value-Projected-FCF of today is 3.0.

The historical rank and industry rank for AEON Credit Service (M) Bhd's Intrinsic Value: Projected FCF or its related term are showing as below:

XKLS:5139' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 1.55   Med: 4   Max: 6.44
Current: 3.02

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of AEON Credit Service (M) Bhd was 6.44. The lowest was 1.55. And the median was 4.00.

XKLS:5139's Price-to-Projected-FCF is ranked worse than
85.03% of 294 companies
in the Credit Services industry
Industry Median: 0.78 vs XKLS:5139: 3.02

AEON Credit Service (M) Bhd Intrinsic Value: Projected FCF Historical Data

The historical data trend for AEON Credit Service (M) Bhd's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

AEON Credit Service (M) Bhd Intrinsic Value: Projected FCF Chart

AEON Credit Service (M) Bhd Annual Data
Trend Feb15 Feb16 Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -13.49 -4.81 1.14 3.87 2.48

AEON Credit Service (M) Bhd Quarterly Data
May19 Aug19 Nov19 Feb20 May20 Aug20 Nov20 Feb21 May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.87 3.27 3.19 2.77 2.48

Competitive Comparison of AEON Credit Service (M) Bhd's Intrinsic Value: Projected FCF

For the Credit Services subindustry, AEON Credit Service (M) Bhd's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


AEON Credit Service (M) Bhd's Price-to-Projected-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where AEON Credit Service (M) Bhd's Price-to-Projected-FCF falls into.



AEON Credit Service (M) Bhd Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get AEON Credit Service (M) Bhd's Free Cash Flow(6 year avg) = RM-82.63.

AEON Credit Service (M) Bhd's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Feb24)*0.8)/Shares Outstanding (Diluted Average)
=(10.195616806174*-82.63168+2637.631*0.8)/510.615
=2.48

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


AEON Credit Service (M) Bhd  (XKLS:5139) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

AEON Credit Service (M) Bhd's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=7.50/2.4825433147667
=3.02

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


AEON Credit Service (M) Bhd Intrinsic Value: Projected FCF Related Terms

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AEON Credit Service (M) Bhd (XKLS:5139) Business Description

Traded in Other Exchanges
N/A
Address
No. 8, Jalan Kerinchi, Avenue 10, Level 18, UOA Corporate Tower, The Vertical, Bangsar South City, Wilayah Persekutuan, Kuala Lumpur, SGR, MYS, 59200
AEON Credit Service (M) Bhd offers credit cards and other loans and financing options to consumers in Malaysia. The company earns more than 80% of its revenue from interest and financing charges on the loans it provides. Fees provide the remaining revenue. Vehicle financing, with a roughly even split between cars and motorcycles, accounts for more than half of the loans the company has outstanding. Remaining loans outstanding are in the personal financing, consumer durables financing, and credit card categories. Aeon Credit issues credit cards under the Visa and Mastercard brand names.

AEON Credit Service (M) Bhd (XKLS:5139) Headlines

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